Monmouth County and Rumson Borough property record for 12 Osprey Ln, Rumson, NJ 07760
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 4,784 sqft · built 1982 |
| Lot Size | 1.76 acres (77,101 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,500,000 (Jun 2020) |
| Tax Bill | $23,279 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 41-00124-0000-00029-02 |
| Primary APN | 41-00124-0000-00029-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 4,784 sqft Living Area |
| 1st Floor Area | 3,359 sqft |
| Upper Floors Area | 1,425 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 77,101 sqft |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 245 sqft |
| Patio Area | 986 sqft |
| Canopy | 75 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Old Parcel Number | 41001240000000292 |
|---|---|
| Street Address | 12 OSPREY LN |
| City | RUMSON |
| State | NJ |
| Zip | 07760-1821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF80 |
| Legal Block | 124 |
| Legal Lot Number | 29.2 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | RUMSON |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 803800 |
Source: Monmouth County and Rumson Borough records, as of July 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 400 SHASTA LN, CHARLOTTE, NC 28211-4054 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Jun 30, 2020 | Grant Deed, Transfer BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2020 · Amount on Record |
| Deed Sale | Jun 30, 2020 · Amount on Record |
| Prior Sale | Nov 23, 1994 · Amount on Record |
| Deed Document Number | 202070269 |
| Deed Book / Page | 9424 / 3215 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Property Address | 12 OSPREY LN, RUMSON, NJ 07760-1821 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2021 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0095558294 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 9555/8294 |
| Instrument | 2021161264 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jun 30, 2020 |
| Property Address | 12 OSPREY LN, RUMSON, NJ 07760-1821 |
| Document Number | 0000070269 |
| Book / Page | 009424 / 003215 |
| Instrument Date | Jun 11, 2020 |
| Instrument | 70269 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2020 |
| Title Company | FOUNDATION TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,500.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 OSPREY LN RUMSON NJ 077601821, RUMSON, NJ 07760-1821 |
| Document Number | 70270 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 009424/003263 |
| Instrument | 70270 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280-0002 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 29, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
Source: Monmouth County and Rumson Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Rumson Borough |
| Elementary School District | Rumson Borough School District (KG - 08) |
| Secondary School District | Rumson-Fair Haven Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,450,900 (+10.44%) Land $1,688,300 Building $762,600 | $2,450,900 (+10.44%) Land $1,688,300 Building $762,600 | |
| 2025 | $23,279.00 (+1.49%) | $2,219,200 (+12.68%) Land $1,570,200 Building $649,000 | $2,219,200 (+12.68%) Land $1,570,200 Building $649,000 |
| 2024 | $22,938.00 (+3.06%) | ||
| 2023 | $1,969,400 Land $1,433,900 Building $535,500 | $1,969,400 Land $1,433,900 Building $535,500 | |
| 2022 | $22,258.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 118 policies |
| Nearby Flood Policies | 118 in force |
| Nearby Flood Claims | 279 (1978–2019) |
| Claims Outside the SFHA | 32 of 279 |
| Most Recent Claim | Jun 2019 · rainfall accumulation |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Sep 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
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